• Legal Information

    Read our site terms and conditions.

    Company details and regulation

    Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Bank of Scotland is authorised and regulated by the Financial Services Authority under registration number 169628.
     

    Residence

     
    Unless otherwise specified, the information in this site is not directed at anyone other than UK residents and applications from others will not be accepted. The information contained in this site may not satisfy the laws of any other country.

     

    Information for customers in the United States of America.  

    Neither Lloyds Banking Group plc, Lloyds Bank plc nor Bank of Scotland plc is a US registered broker-dealer. Broker-dealer services in the United States are offered by Lloyds Securities Inc., a broker-dealer registered with the U.S. Securities and Exchange Commission and member of FINRA and SIPC, or by Lloyds Bank plc or Bank of Scotland plc in compliance with Rule 15a-6 under the US Securities Exchange Act of 1934. More information about Lloyds Securities can be found at http://www.lloydssecurities.com 
     

    General

     
    Whilst Bank of Scotland plc has taken care in the preparation of the content of this web site http://www.corporate-terms.com/bankofscotland disclaims (to the extent permitted by law) all warranties, express or implied, as to the accuracy of the information contained in any of the materials on this web site.

     
    We reserve the right to change the content, presentation, performance, facilities and availability of all or part of the pages of this site at our sole discretion and without prior notice. We make no warranty or representation that the pages of this site can be accessed at all times during the UK hours of business stated on this site. This site may be temporarily unavailable or restricted for administrative or other reasons. We will not be liable for any loss or damage arising out of or in connection with the loss of the use of this site.

     
    This web site contains links to other sites. Bank of Scotland plc accepts no responsibility or liability in respect of any materials on any other web site which is not under its direct control. Neither Bank of Scotland plc nor any party involved in creating, producing or delivering this web site shall be liable for any direct, incidental, consequential, indirect or punitive damages arising out of access to, use of or inability to use the internet web site, or any errors or omissions in the content thereof. The links to any other sites are provided for general information purposes only and the sites concerned and their contents are not endorsed or promoted by us in any way, unless otherwise stated. Please note that when you click on any external site hypertext link, you will leave our site and access the external site at your own risk.

     
    However, Bank of Scotland plc does not exclude or restrict any duty or liability under the Financial Services and Markets Act 2000 or the regulatory system under that Act.

     
    Although Bank of Scotland plc takes precautions to ensure that its software and materials are virus free, it cannot guarantee that the materials or software you download will be free from viruses or other damaging codes or programs. It is a condition of allowing you to download through this site that any liability on the part of Bank of Scotland plc in respect of, or arising directly or indirectly from, any virus or other damaging code or program is excluded to the extent permitted by law.

     
    Therefore, please run virus checking software as soon as you download any materials or before installing any software.

     

    Using the Internet

     
    Please note that there is no guarantee that any e-mail sent will be received, or that the contents of any such e-mail will remain confidential during transmission over the Internet. If you have any such concerns, you may prefer to use the telephone or postal system instead.

     
    If you are in any doubt as to the suitability of software to be downloaded for your computer, we recommend that you obtain independent specialist advice before downloading.

    Security Information


    Security surrounding our services is of the high levels you would expect from a trusted and reputable organisation. It ensures that access to and the use of the services available, are protected and only available to authorised users. We understand the importance of security and have taken every step to ensure you can trade with confidence within our environment.

    Remember: security is a process, not a product. To help you maintain the highest level of security here are some useful tips:

     
    When completing online applications, do not leave the screen idle for more than 20 minutes as the application process will close automatically and any information will be lost. You should also make sure no one else can access your computer during your online application.

     
    Choose robust passwords (alphanumeric, mixed case) and change them regularly; avoid obvious passwords (names of family members, pets, favourite musician etc.), and do not tell anyone else your passwords. You should not write a password down.

     
    If you think someone knows your password, go online and change it immediately.

     
    When you have finished your session, make sure you log off and disconnect from the Internet. This will prevent the viewing of previous pages of your online session via your PC.

     
    Do not respond to emails that request you reply with your password including those that appear to be from Lloyds Banking Group.

     
    We recommend you do not download software (games etc.) if you do not trust - or are not sure of the source.

     
    If you suspect that the security of your account has been compromised, contact us immediately.

     

    Important information about compensation arrangements


    We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors - including most individuals and small businesses - are covered by the scheme.

    In respect of deposits, an eligible depositor is entitled to claim up to £85,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £85,000 each (making a total of £170,000). The £85,000 limit relates to the combined amount in all the eligible depositor's accounts with the bank including their share of any joint account, and not to each separate account.

     

    For further information about the compensation provided by the FSCS (including the amounts covered and eligibility to claim) please contact your firm representative, ask at your local branch, refer to the FSCS website www.FSCS.org.uk or call the FSCS on 020 7741 4100 or 0800 678 1100. Please note only compensation related queries should be directed to the FSCS. 


    Deposits with us are held with Bank of Scotland plc. Accounts with Bank of Scotland plc include accounts with its divisions and trading names: Halifax, Intelligent Finance (IF), Birmingham Midshires (BM Savings), Bank of Scotland, Bank of Scotland Private Banking, Bank of Scotland Germany, Bank of Scotland The Netherlands, Bank of Scotland Treasury, Lloyds Bank Wholesale Banking & Markets, Lloyds Bank, St James’s Place Bank and St James’s Place Private Bank. Some savings accounts under the AA Savings, Saga and Charities Aid Foundation brand names are also deposits with Bank of Scotland plc. An eligible depositor’s £85,000 limit relates to the combined amount in accounts under all of these names.
     


    If you are unsure whether your account is held with Bank of Scotland plc please check your account literature.

8/21/2014 1:22:43 AM